Mijn VerbouwPremie (My Renovation Premium) will change in 2025 – what you need to know as a real estate agent or bank agent

From July 1, 2025, Mijn VerbouwPremie (My Renovation Premium) will undergo fundamental changes. The rules will become stricter, the calculation more complex, and the premium more income-oriented. For real estate agents and bank agents, this means one thing: accurate and up-to-date information will be crucial in discussions with buyers, sellers, and borrowers.

In the latest podcast from We Invest – Vastgoed Anders Besproken (in Dutch), Sigrid Peeters (Setle) and Alexander Van Schandevyl from We Invest take a closer look at these reforms. A must-listen for anyone involved in real estate consulting or residential financing. 

What is "Mijn VerbouwPremie"?

Mijn VerbouwPremie is a Flemish subsidy for renovation and energy-saving work. This includes roof insulation, high-efficiency glass, heating systems, and moisture control. Since 2022, everything has been handled through a single digital portal: mijnverbouwpremie.be.

The subsidy is income-dependent and is granted on the basis of invoices, EPC certificates, and personal circumstances. From July 1, there will be a number of changes to this subsidy.  

1. Stricter income limits and automatic categorization

The new scheme provides for four income categories instead of three, with stricter limits and less room for interpretation. The Flemish government automatically determines which category your customer belongs to, based on official data. 

An important point to note: does your customer own a second home – even an inherited apartment or a small share in a property? Then they automatically fall into the lowest subsidy group. Even with a limited income, this can drastically reduce the premium amount.

For some, this means a lower premium, but for others—especially young families and single people in lower income groups—it means slightly more support than before, up to 50% of the total amount.

2. Restriction on the number of square meters

For the higher income categories (1 and 2), the government will introduce clear area limits from July onwards:

• Max. 100 m² for roof or wall insulation
  

• Max. 75 m² for floor insulation
  

• Max. 20 m² for windows and doors
  

For larger homes or total renovations, this means that not all work will be fully eligible for the subsidy. From now on, the subsidy will only apply to insulation work. Renovating a facade without insulation, or replacing windows without high-efficiency glass? No more subsidy.

3. No more subsidies for solar water heaters

Solar boilers are being completely removed from the list of supported technologies. Until June, customers could still receive a subsidy of up to €1,200 for these, but as of July, this has come to an end. The government has made a decisive choice in favor of heat pumps and heat pump boilers.

4. Restrictions on electricity and sanitation

From now on, only the technical preparation of plumbing and electricity will be eligible: pipes, tubes, drains, etc. However, appliances such as showers, toilets, taps, or bathroom furniture are completely excluded, even in the case of total renovations.

Many customers believe that a new bathroom automatically entitles them to a subsidy, but this will no longer be the case from July onwards. 

5. The counter will be temporarily closed between July and September 2025

From July 1 through August 31, 2025, the office will be temporarily closed. During this period, no new premium applications can be submitted. The updated system will be launched on September 1.

What does this mean for you as a real estate agent or bank agent?

The new rules make it much more difficult for individuals to determine whether their works are eligible. But it also becomes more difficult for professionals like you: the difference between what someone thinks they will receive and what they actually receive can amount to thousands of dollars.

Some examples:

• A customer expects a €3,000 subsidy for new windows, but due to changes in income limits, a second property, and a missing ventilation certificate, he ultimately receives only €1,050—or even nothing at all.
  

• An investor counts on a premium for a total renovation, but falls outside the surface limits and therefore receives less than expected.

As a real estate agent or bank agent, you need to be able to help customers with answers to questions such as:

• What is the actual net renovation cost?
  

• What premium is still realistic?

• How do the works affect the EPC label—and therefore the value or financeability of the property?
  

Without the right tools, it is almost impossible to keep track of.

How is Setle responding to these changes?

At Setle, we keep a close eye on changes. This gives you, as a professional, a powerful tool that:

• Offers realistic, customized premium estimates
  

• Shows the impact of the work on EPC and property value

• Provides a clear report for your client or lender 

Whether you work with buyers, investors, or credit applications, Setle helps you provide fast and reliable advice.